System and method to management a cryptographic banking network

ABSTRACT

The present solution relates to a system and methods to management a network where participate at least a bank, at least a client, and at least a regulatory body, whereas a series of operating protocols of said network, comprising; the creation of a cryptographic asset mirror of cryptocurrency, a management interactive node of said cryptographic asset. A crypto-assets clearance chamber for this solution is also disclosed.

RELATED APPLICATION

This Application is a U.S. Non-Provisional Patent Application thatclaims priority to U.S. Provisional Patent Application Ser. 63/164,323filed on Mar. 22, 2021 the entire contents of which is herebyincorporated by reference in their entirety.

TECHNICAL FIELD

This invention is about a cryptographic banking network based on aprivate blockchain technology. Said cryptographic network uses acryptographic asset that operate in a platform that allows to create andmaintain a business network between institutions that custodycryptocurrency, and/or digital assets, allowing them a high mobility ofthe cryptographic assets for users and easy management, leaving eachregulatory body custody of crypto assets

BACKGROUND

Cryptocurrencies such as Bitcoin for example, and the blockchainprotocol have achieved a system that allows the exchange of a valuebetween parties that do not know each other in a fast and efficient way,without the need for intermediaries. Despite its immaturity and the manychallenges that it still poses, the financial industry has set itssights on this technology, which can be a great opportunity to generatenew, more agile, lower-cost and more favorable banking services for itscustomers.

Some desirable aspects of any solution in this regard must beconsidered; security, reliability, transparency, agility, to ensureeffective crypto asset management and custody.

The proposed invention operates in a banking ecosystem through whichmembers can ensure the reliability of the services offered, since theyare offered through a private blockchain network that allowstransactions to be carried out in a more efficient, transparent, secureand reliable way, maximizing benefits for customers and generatingprofit margins for the financial entities that are part of theecosystem. The purpose of the solution is to generate income for themembers of the banking ecosystem that adopt it and that we will call“Network Participant”.

The proposal assures network participants of compliance with theregulations and legal requirements of financial entities towards theirprivate and corporate clients, as well as a set of best practices aroundlocal and international banking, among which are; Know your client(KYC), local and international anti-money laundering (AML), use ofprivate Blockchain platform (whatever the provider), in order to ensuresecurity and confidentiality.

In a general context, the proposed invention seeks to achieve thefollowing general objectives:

Security, reliability and transparency in the custody and operationswith cryptocurrencies.

Digitization of tangible financial assets in your custody.

Creation of sophisticated financial products through smart contracts.

From these general objectives, being derivate some specific objectivesas explain follows:

One of the proposed goals is to achieve a ecosystem to encourage membersof the network to balance, model and manage their crypto assets.

Another of the proposed goals is to propose a structure composed ofmicroservices that serves as an interface between the applications ofthe network participants and the smart contracts, to manage thecryptographic and cryptocurrency assets.[1][2]

Another of the proposed goals is to create a crypto assets clearancechamber by means of smart contracts and the creation of a second privateand permissive layer, said second layer connected to a first publiccryptocurrency network.

Another of the proposed objectives is to implement cryptocurrency nodesin the banking Core of the network participants.

Other goal of the invention is the possibility of carrying outmicro-transactions instantly and at a lower cost, between theusers-participants

These objectives are achieved through the incorporation of microservicesstructure that serves as an interface between the applications of thenetwork participants and the smart contracts, to manage thecryptographic asset backed by cryptocurrencies and cryptocurrenciesassets.

Through said microservices structure is possible to obtain a set ofbenefits, such as:

The proposal incorporates the “Blockchain as Service” modality, thisscheme optimizes profitability for the member banks of the ecosystem,due to one of its main benefits, they will obtain income from the use ofthe platform without making capital investment in infrastructure, orexpenses associated with its development.

The proposal makes available a PoC (Proof of Concept) in order to showthe use and functionalities of the solution for which thefunctionalities are enabled as a Demo for the entities that start theoperation of the ecosystem.

Being able to manage the ecosystem according to the present inventionquickly and easily through the inclusion or withdrawal of new networkparticipants.

Allow the creation of new channels of exchange between the networkparticipants quickly.

The bank will not depend on other participants or external nodes tovalidate the transactions carried out and, in turn, the larger thebusiness network, the different nodes will be able to validate theirintegrity with each other.

The incorporation and withdrawal of network participants in any or allof the communication and service provision channels.

The development of consensus rules for the participation or exclusion ofany of the network participants in any of the existing channels.

The possibility of developing new exchange channels for the developmentof additional services.

The universality of the interface when it is linked to any other serviceof a third party.

The possibility of automatic netting between the network participants.

Being able to verify history and traceability of all operations betweenclients directly and quickly.

The possibility of creating additional chambers for additional specificservices generated by the participants.

Timely liquidity, security of assets, minimization of costs incommissions and transparency in transactions are guaranteed.

The management of possible conditions and costs for the processes, andassets to be netted in the operating chamber.

As can be seen according to the effects that the implementation of thepresent invention would bring, the structure of microservices accordingto the present invention is adaptable and flexible to the business needsof a transaction network, keeping means of control available for thesecurity and transparency of said transactions.

Where an ecosystem is the holistic manifestation of the system andprocess to management a cryptographic banking network, object of thepresent invention.

Said microservices structure being within a ecosystem, in particularsaid ecosystem includes; a cryptographic asset backed by at least onecryptocurrency deposited in a plurality of custodial wallets of theparticipating organizations, at least one banking body, at least onebanking client, a cryptoactive clearance chamber, managed by a custodialregulatory body through smart contracts and the creation of a secondprivate and permissive layer that interacts with a first public layer,and where;

In addition, the network includes at least one Application ProgrammingInterface (API), a main book or computer file for recording and totalingeconomic transactions measured in terms of a monetary unit ofaccount-by-account type (Ledger), a process by which banks obtaininformation about the identity and address of the customers (KYC), aplurality of master wallets, at least one smart contract that can becreated, developed and implemented, at the end of a communicationchannel (endpoint) to allow interaction with the API, said endpoint tobe developed and implemented.

The system to management a cryptographic banking network operates thedata flows through the platform's substrates; hosting, blockchain,backend and frontend, in order to take advantage of the individualbenefits in each one, and the global benefits of all of them as a whole.This in a general sense, in particular sense It'll show later as anarchitecture layers.

Some nearby technologies are known from the prior art, withoutnecessarily being considered interfering with respect to the presentinvention. Some of them are shown below:

For example, EP 3 557 511 A1 (Treccani et al), discloses a method forvalidating a transaction of a crypto-asset, the method is executed by aprocessing apparatus and at least one hardware security module (HSM),wherein the method defines N first level keys and T second level keys,wherein each first level key comprises a public first level key and aprivate first level key, wherein each second level key comprises apublic second level key and a private second level key, wherein the Tprivate second level keys are stored in the at least one hardwaresecurity module (HSM), wherein the method comprises the steps of:providing, in the processing apparatus, transaction data comprisingtransaction details relating to the transaction of a crypto-asset of adistributed ledger, the N public first level keys and the T publicsecond level keys; receiving a minimum number M of first levelsignatures from M signatories; checking, in the at least one hardwaresecurity module, if the transaction details fulfil at least one securitypolicy, if the transaction details fulfil the at least one securitypolicy, creating, in the at least one hardware security module, aminimum number S of second level signatures based on S of the T privatesecond level keys; and sending, by the processing apparatus, thetransaction data, the M first level signatures and the S second levelsignatures to a node of the distributed ledger to publish thetransaction of the crypto-asset in the distributed ledger.

Another example is, US 2020 099512 (Kikinis) that discloses a system andmethod providing a security gateway for high security blockchainsystems, that acts as a firewall (and manages users, rules, data access,transactions, fees, etc.), has the ability to understand and enforceblockchain business processes policies (access policy and transactionpolicy of a blockchain solution that may or may not support smartcontracts), and can understand tokens and their functionality, withouttotally disabling code execution, for example from smart contracts ortokens enabled by smart contracts.

Finally, US 2017 154331(Voorhees), discloses one or more serversautomatically, based on a set of predetermined rules, executes amechanism allowing blockchain-asset exchange customers to placestanding-limit or market orders for blockchain-based digital assets(e.g., cryptocurrencies) with a counter-party, but without counter-partyrisk. The counter-party will not receive the payment until thecustomer's exchange order has been executed, and the customer has takenpossession and ownership of the desired asset. The customer cannotreverse payment or otherwise rescind the payment from the counter-partyonce the customer receives the desired asset. The systems and methodsuse blockchain databases, multisignature key signing procedures, and atransparent, objective, automated, rules-based software agent to manageand autonomously govern transfer of digital blockchain-based assets in amulti-party exchange scenario, without risk of asset loss and withoutthe discretion of any human actor.

None of the aforementioned prior art documents is made up of amicrostructure of services that operates within a ecosystem, as ischaracterized to the present invention

Some definitions and acronyms are necessary for fluency in theexplanation of the technique according to the present invention, as setforth below:

API's is the acronym, plural form, for Application ProgrammingInterface, which is a software intermediary that allows two applicationsto talk to each other.

CC according with present invention means cryptocurrency

Qcc, according to the present invention, means a cryptographic assetbacked by the CC deposited in the custodial wallets of the participatingorganizations. The processes of deposits, withdrawals, movements andinterbank transfers will be carried out among the participants of thenetwork, managing a single accounting book, safe, reliable andimmutable, without the need to reconcile accounts with offsettingprocesses over time, optimally covering liquidity needs among clientsand updating balances in any moment.

KYC means Know Your Customer, and is a process by which banks obtaininformation about the identity and address of the customers

AML, means Anti-Money Laundering, and is closely related to the KYCprocess (Know your Customer) is a user identification process to preventmoney laundering

Ledger means, the principal book or computer file for recording andtotaling economic transactions measured in terms of a monetary unit ofaccount-by-account type.

Client, Bank client, customer, or user are equivalents terms.

Bank participants, financial entities, financial participants, or Bankentities are equivalents terms.

Regulatory body, or Regulatory entity are equivalents terms.

The ecosystem is a distributed technological system made up of entitiesor actors that self-organize to generate scalable and sustainablebenefits. Said ecosystem is made up of the following actors;

A Blockchain Platform: is a managed platform offering blockchain as aservice (BaaS) in an environment that includes Platform Cloud and thatallows the development, operation and management of a network with thenecessary performance, availability and security.

Network of Participants: refers to any organization or individuallicensed to use the services of the Cryptographic Network in accordancewith the present invention, to offer them to their clients, throughtheir platforms and tools. The participants have credentials in thecryptographic network in accordance with the present invention thatauthorizes them to use and provide services through it. In principle, itis comprised of corporate financial entities.

Legal Treasury: refers to an area or team established by the networkparticipant that will be responsible for the creation and management ofthe portfolios of the participating financial entity, in addition to thecustody of the private keys. A legal and highly responsible managementprocedure for these activities is recommended for the custody of a veryimportant security asset for the operation of its crypto assets andthose of its clients.

Cryptocurrency network: The ecosystem contemplates active and backupCore cryptocurrency nodes for each participant, in order to createportfolios and generate CC accounts for their clients to guard them andsupport the crypto-financial products and assets managed in the network.

Transactions: refers to the way in which any network operation, event orservice is recorded so that participants can create, exchange, modifyand destroy assets.

Customers: are those people who are customers of the participants andaccess the network through the banking portal and APP of the financialinstitution.

With the implementation of any cryptocurrency nodes in the banking coreof the network participants, the possibility of opening accounts incryptocurrency and making transfers between the network organizations isopened, guaranteeing the security of the wallets and minimizing thecosts in commissions of net.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is about architecture layers according to the cryptographicbanking network

FIG. 2. Is about CC deposit process and Qcc creation.

FIG. 3. Shows Qcc transfer process within the network

FIG. 4 shows withdrawal of CC from the network.

FIG. 5 is about crypto-assets clearance chamber.

DETAILED DESCRIPTION

Some invention characteristics could be explained as follows withassistant of drawings 1 to 4.

In preferred embodiment the system to manage a cryptographic bankingnetwork according to present invention, comprising a system, whereinsaid system comprises; a cryptographic asset backed by at least onecryptocurrency deposited in a plurality of custodial wallets of theparticipating organizations, at least one banking entity, at least onebanking client, a cryptoactive clearance chamber, managed by a custodialregulatory body through smart contracts and the creation of a secondprivate and permissive layer that interacts with a first public layer,and where there is also at least one Application Programming Interface(API), a main book or computer file for recording and totaling economictransactions measured in terms of a monetary unit of account-by-accounttype (Ledger), a process by which banks obtain information about theidentity and address of the customers (KYC), a plurality of masterwallets, at least one smart contract that can be created, developed andimplemented, at the end of a communication channel (endpoint) to allowinteraction with the API, said endpoint to be developed and implemented.

Where said System is characterized by;

The cryptographic asset allows the implementation of a cryptographicnode (Qcc) that allows the management of cryptocurrencies in interfacewith the APIs, where the processes of deposits, withdrawals, movementsand interbank transfers will be carried out between the participants ofthe network, managing a single accounting book, safe, reliable andimmutable, without the need to reconcile accounts with untimely clearingprocesses, optimally covering liquidity needs among clients and updatingbalances in real time.

In another preferred embodiment the cryptographic monetary network is asystem based on an architecture that comprise; a blockchain platform, anetwork of participants, a legal treasury at least on for eachparticipant, a cryptocurrency network, a transactions set, at least onecustomer.

In other preferred embodiment the cryptographic monetary network is asystem that includes a layers architecture, wherein said layers interactwith each other in a descending and ascending linear sense according tothe data flow, where said layers mentioned in ascending order are;blockchain platform, security cryptographic, communication protocol, andIntegration Interface based on API, and also external interactive toregulatory body and currency cloud. See FIG. 1.

This Integration Interface, comprising at least the following services;Authentication, Account management, Management ofSignatures/Signatories, Portfolio/wallet management, Contact management,Fund management, Transaction management, and Message management.

In another embodiment the system to manage a cryptographic bankingnetwork is a system with a functional structure, which components are;

At least four participants (4): three active and one for observation.The first three organizations will be banks and the fourth will emulatethe regulatory body, which will monitor all withdrawal operations,deposits, physical movements and interbank transfers of assets (Qcc),events and identity issues.

The system to manage a cryptographic banking network to management ofQcc assets, where each financial institution will have two (2) nodes,one active and one passive backup, these nodes correspond to theplatforms in which the wallets are stored, in this way based on 3organizations configure six (6) equal nodes

Authorizers and certificate generators (CA), in total Five (5)distributed as follows; One for each organization: three (03) banks, one(01) regulatory body and one (01) for an ordering service.

Channels, in total Two (2): refers to the communication channels foreach of the transactions for each cryptoactive, there is one made up forthe organizations that manage Qcc, the other channel will link theregulatory body with the banks for the monitoring of events.

An Ordering Service composed of at least 5 nodes.

Smart contracts, created and developed for asset management.

Core Interface, which is an application interface (API) that exposesmicroservices, its main function is the integration between the legacysystems of the banks and the assets in the Network.

Legacy Systems or Core Banking, that are systems or platforms of saidentities in which interbank currency deposits, withdrawals and movementsare recorded in cash, and update the network ledger through the coreinterface.

Cryptocurrency wallets, which are virtual wallets in which crypto assetscan be managed, and which are designed to store or manage cryptocurrencykeys, in this network there must be three wallets for each participantor financial institution called: Active, Compensation and Cold, eachwith a purpose.

USDT wallet or also called US Tether is considered within thestablecoins or stable cryptocurrencies, one of its functions is that thecryptocurrency is always worth 1 dollar (1 USD $)

Optionally the system to manage a cryptographic banking network consideruses another stable digital money different to dollar for other purposes

In another embodiment the system to manage a cryptographic bankingnetwork includes an instant messaging operation and service on P2Pnetwork linked or integrated with the system to manage a cryptographicbanking network according with the invention.

Another embodiment comprises that each network participant must createand manage at least three wallets, where each wallet is as follows;

A first wallet, that is an active wallet, where each client deposit CC,and store the private key under control by the cryptographic bankingnetwork.

A second wallet, that contains CC to transfer between banksparticipants.

And a cold wallet, that is doesn't online available respect to thecryptographic banking network, and doesn't have external stolen risk.

This cold wallet is recommended to storage the banks participant ofnetwork, or for storage VIP CC.

Each bank participant must create a wallet once a time, each wallet isstored at Qcc nodes in order to guarantee a backup availability byonline synchronicity.

The security wallet manages consist in a private key generated of atleast twelve characters encrypted and validated by QR code generated,where said QR code is generated by the cryptographic banking networkwhen the respective wallet was created

This private key must be physically supported by respective bank vaultthrough a security protocol.

The security wallet manages incorporates a single seed generated foreach wallet created, which is recorded in order to realize a doubleauthentication.

In order to restore any seed generated that lost it, the security walletmanages comprises a protocol based on retrieve keywords, or characteredcodes, or combination thereof.

Also, in another embodiment of invention all the operations on the Qccnodes will be written in the Ledger of the monetary transactionsnetwork, and through KYC, the creation of accounts in cryptocurrenciesis managed.

In another embodiment, the invention incorporates the Blockchain asService modality

It also comprises a macro level of a process to operate that includesthe steps of;

Develop API's and Smart contracts.

Qcc Deposit Manage and Qcc creation

A transaction within the network.

Manage a crypto asset clearinghouse

Each step contains a respective process that is explained below:

API's and smart contracts developed

The APIs that must be developed for the management of CC and Qcc throughthe network are mentioned.

Likewise, the smart contracts must be created and invoked to interactwith the network.

The APIs that must be developed for the management of CC and Qcc throughthe network are at least the follows: authentication, accountmanagement, management of signatures/signatories, portfolio/walletmanagement, contact management, fund management, transaction management,message management, node management.

A set of master wallet per Qcc node with their respective physical andlogical security layers.

KYC process to generate account in any cryptocurrency

API's in the Qcc core interface for managing CC, that includes followingsteps:

Receive CC through the cryptocurrency network.

Make the move or send-from to transfer CC through the cryptocurrencynetwork.

Signature management

Send cryptocurrency through the business network

Each step before cited has sequentially sub-steps, that are:

For receive Cryptocurrency through the cryptocurrency network, must befollowing steps:

Generate cryptocurrency address associated with the customer's accountat the business network.

Track the cryptocurrency address for the check in of the cryptocurrencyreceived.

For make the move or send-from to transfer CC through the cryptocurrencynetwork, must be following steps:

Get the contact's cryptocurrency master account

Validate account, be it from the same bank or from another bank.

The signature management consists of configuring and obtainingsignatories for the transfers approval through the business network andcryptocurrency network.

For send cryptocurrency through the business network, must be followingsteps:

Obtain signatures to authorize the operation

Validate business network contact

Register the transfer of the asset in the ledger.

For the development and implementation of smart contracts, alloperations on the Qcc nodes will be written in the Ledger of thebusiness network, for which the following tasks must be met:

Generate addresses to receive outside the business network.

Make deposits outside the business network

Manage network contacts.

Move or send-from from the addresses created to receive CC through thecryptocurrency network to the master wallets

Make transfers between customer accounts of different banks or the samebank.

Management of parity between the master's wallet and cryptocurrencyaddresses generated for bank clients to receive CC through thecryptocurrency network.

Later, the management processes for this asset will be specified.

Operational process

Below are the banking processes for the cryptocurrency custodianservice, as well as the performance of the business network according tothe present invention to ensure articulation between the participants,guaranteeing timely liquidity, security of assets, minimization ofcommission costs and transparency in transactions. Basically, there arethree (3) main ones, first there is the process of depositing CC andcreating Qcc, secondly there is the transaction process within thenetwork, and finally the process of withdrawing CC from the network.

This process is the same for whatever cryptocurrency that are going tobe added to the network

CC Deposit Process and Qcc creation

As can be seen at FIG. 1, the network participants are; a first Bank 10,a second Bank 20, a third Bank 30, a regulatory body 40, a Qcc node 50,and a client 60, Each path is numbered from 1 to 8, according to eachstep from a to h, described below, so the process that is carried outconsists of the following steps:

(a) The client makes a transfer of CCs to his wallet guarded by a firstBank 10.

(b) The CCs are received in the client's wallet guarded by said firstBank 10

(c) The first Bank's 10 Qcc Node validates the incoming CC transaction.

(d) The deposit is registered through an endpoint activating the smartcontract for the deposit of CC creating the same amount of CC that weretransferred to the wallet.

(e) Qcc node 50 validate transactions and client status using aconsensus algorithm.

(f) The record is created in the Ledger with the defined structure.

(g) The new Block is added to the existing Block chain so that theoperation is kept unalterable and permanent.

(h) The Regulatory body 40 only receives the events of the execution ofsmart contracts through the channel.

There is no restriction regarding the number of banks or clients thatjoin the network, as well as that other regulatory bodies mayparticipate. FIGS. 1 and 2 are only an example, without a restrictivecharacter, to know the fundamentals of the solution proposed here.

Transaction process within the network.

As seen at FIG. 2, the network participants are; a first Bank 10, asecond Bank 20, a third Bank 30, a regulatory body 40, and a Qcc node50, Each path is numbered from 1 to 7, according to each step from a tog, described below, so the process that is carried out consists of thefollowing steps:

(a) first Bank 10 consumes Balance endpoint that activates the smartcontract to read the Balance if it has a balance and requests a transferof CC to second Bank 20

(b) said first Bank 10 records transaction in the business networkthrough endpoints that activates the smart contract for CC transferbetween banks.

(c) The Qcc node 50 validate the transactions and the client's statususing a consensus algorithm and, according to the approval policies,authorize the request.

(d) The record is created in the transfer ledger with the appropriatestructure. This triggers the smart contract for bank reconciliation,keeping track of debits and debts between banks.

(e) the new block is added to the existing block chain in such a waythat it remains unaltered and permanent.

(f). The regulatory body 40 only receives events from the execution ofsmart contracts through the channel.

(g). the bank client can see the transfer received and his new balancein CC in his account.

Withdrawal of CC from the network

This process can be followed for its understanding based on what isillustrated in FIGS. 1 and 2, in terms of the network participants. Theprocess consists of the following steps, a to g:

(a) The client requests the withdrawal of CC from his custodial walletwith first Bank 10

(b) said first Bank 10 performs the registration of the withdrawaltransaction through an endpoint which activates the intelligentwithdrawal contract in the Qcc nodes 50.

(c) Qcc nodes 50 validate transactions and client status using aconsensus algorithm.

(d) The record is created in the ledger with the appropriate structure.this triggers CC Withdrawal smart contract and Qcc destruction

(e) the new block is added to the existing chain of blocks so that itremains unchanged and permanent.

(f) The regulatory body 40 only receives events from the execution ofsmart contracts through the channel.

(g) The Bank 10 sends the CC to the wallet indicated by the client 60

Crypto-assets clearance chamber

It is based on smart contracts and the creation of a second private andpermissive layer, the second layer interacting with the publiccryptocurrency network. The process to achieve this is based on thefollowing steps, from a to g:

(a) The cryptographic assets wallet is transferred to the custodywallet.

(b) Once received these cryptographic assets, Qcc, it is created withinthe private network an asset mirror or backed in the CC received, whereQcc=1 CC

(c) Once the respective intelligent contract is executed and these Qccis generated, the user will be able to see his balance available in CCreflected in the balance sheet, which they may use to exchange betweenother users belonging to the network.

(d) When a user transfers CC to another user within the network, a CCdebt is created between the Qcc custody institutions, for this throughan intelligent contract, the debits and credits are reconciled in orderto arrive an amount established between the parties or maximum once aday is reconciled and the corresponding transfers are made between thewallets and all of this is controlled by smarts contract.

(e). When the client wishes to leave the network and transfer their Qccto a CC wallet, a request is made to the financial institution toproceed with the transfer. once the CC transfer is destroyed, the Qccassets are destroyed to maintain the balance and parity between CCassets and Qcc assets, the Qcc assets existing in the network cannot bedifferent from the CC custoded by network bodies

(f) As a security characteristic of the network is the existence ofregulatory participants 50 or observers who can ensure the correctoperation.

(g) The participants of this network have each one of them knownidentities so that you can know who participates in the network byeliminating the pseudo anonymity that exists in the CC traditionalnetwork.

An alternative embodiment about Crypto-assets clearance chamberaccording to FIG. 5, is explained below by following steps:

(a) The bank according to the periodicity starts the batch process ofclearance established

(b) Confirm the accounting balances in CC

(c) Make the CC movements to the master wallet to the bank nodes

(d) The move and sendFrom operations are validated

(e) Write operation in Ledger

1. A system to management a cryptographic banking network that comprisesa service microstructure, where said service microstructure comprising;a cryptographic asset backed by at least one cryptocurrency (CC)deposited in a plurality of custodial wallets of the participatingorganizations, at least one banking entity, at least one banking client,a cryptoactive clearance chamber, managed by a custodial regulatory bodythrough smart contracts and the creation of a second private andpermissive layer that interacts with a first public layer, and wherethere is also at least one Application Programming Interface (API), amain book or computer file for recording and totaling economictransactions measured in terms of a monetary unit of account-by-accounttype (Ledger), a process by which banks obtain information about theidentity and address of the customers (KYC), a plurality of masterwallets, at least one smart contract that can be created, developed andimplemented, at the end of a communication channel (endpoint) to allowinteraction with the API, said endpoint to be developed and implemented.Where said system is characterized by; the cryptographic asset allowsthe implementation of at least one cryptographic node (Qcc) that allowsthe management of cryptocurrencies in interface with the APIs, where theprocesses of deposits, withdrawals, movements and interbank transferswill be carried out between the participants of the network, managing asingle accounting book, safe, reliable and immutable, without the needto reconcile accounts with untimely clearing processes, optimallycovering liquidity needs among clients and updating balances in realtime.
 2. The system to manage a cryptographic banking network accordingto claim 1, wherein; all the operations on the Qcc nodes will be writtenin the Ledger of the monetary transactions network.
 3. The system tomanage a cryptographic banking network according to claim 1, wherein;through KYC, the creation of accounts in cryptocurrencies is managed. 4.The system to manage a cryptographic banking network according to any ofprecedent claims, is a system based on an ecosystem that comprise; ablockchain platform, a network of participants, a legal treasury atleast one for each participant, a cryptocurrency network, a transactionsset, at least one customer.
 5. The system to manage a cryptographicbanking network according to any of precedent claims, is a system thatincludes a layers architecture, wherein said layers interact with eachother in a descending and ascending linear sense according to the dataflow, where said layers mentioned in ascending order are; blockchainplatform, security cryptographic, communication protocol, andIntegration Interface based on API, and also external interactive toregulatory body and currency cloud.
 6. The system to manage acryptographic banking network according to claim 5, wherein saidIntegration Interface, comprising at least the following services;Authentication, Account management, Management ofSignatures/Signatories, Portfolio/wallet management, Contact management,Fund management, Transaction management, and Message management.
 7. Thesystem to manage a cryptographic banking network according to any ofprecedent claim that is a system with a functional structure, whichcomponents are; at least four participants, three active and one forobservation. The first three organizations will be banks and the fourthwill emulate the regulatory body, which will monitor all withdrawaloperations, deposits, physical movements and interbank transfers ofassets (Qcc), events and identity issues; a set of cryptographicmonetary network nodes for the management of Qcc assets, where eachfinancial institution will have two nodes, one active and one passivebackup, these nodes correspond to the platforms in which the wallets arestored, in this way based on three organizations configure six nodes; aset of Authorizers and certificate generators, at least total fivedistributed as follows; One for each organization: three banks, oneregulatory body, and one for an ordering service; at least two channels,there is one made up for the organizations that manage Qcc, the otherchannel will link the regulatory body with the banks for the monitoringof events; an Ordering Service composed of at least five nodes; a set ofSmart contracts, created and developed for asset management, a CoreInterface, which is an application interface (API) that exposesmicroservices, its main function is the integration between the legacysystems of the banks and the assets in the Network. a set of legacySystems or Core Banking, that are systems or platforms of said entitiesin which interbank currency deposits, withdrawals and movements arerecorded in cash, and update the network ledger through the coreinterface; a set of cryptocurrency wallets, which are virtual wallets inwhich crypto assets can be managed, and which are designed to store ormanage cryptocurrency keys, in this network there must be three walletsfor each participant or financial institution called: Active,Compensation and Cold, each with a purpose; and, a USDT wallet or alsocalled US Tether is considered within the stablecoins or stablecryptocurrencies, one of its functions is that the cryptocurrency isalways worth 1 dollar, this means 1 USD $
 8. The system to manage acryptographic banking network according to claim 7, wherein consideruses another stable digital money different to digital dollar.
 9. Thesystem to manage a cryptographic banking network according to claim 7where through smart contracts new financial products can be created. 10.The system to manage a cryptographic banking network according to any ofprecedent claims, wherein, comprises an instant messaging operation andservice based on P2P network linked or integrated with the system tomanage a cryptographic banking network.
 11. The system to manage acryptographic banking network according to any of precedent claims,wherein comprises that each network participant must create and manageat least three wallets, where each wallet is as follows; a first wallet,that is an active wallet, where each client deposit CC, and store theprivate key under control by the cryptographic banking network; a secondwallet, that contains CC to transfer between banks participants; and, acold wallet, that is doesn't online available respect to thecryptographic banking network, and doesn't have external stolen risk 12.The system to manage a cryptographic banking network according to any ofprecedent claims, wherein bank participant must create a wallet once atime, each wallet is stored at Qcc nodes in order to guarantee a backupavailability by online synchronicity.
 13. The system to manage acryptographic banking network according to any of precedent claims,wherein the security wallet manages consist in a private key generatedof at least twelve characters encrypted and validated by QR codegenerated, where said QR code is generated by the cryptographic bankingnetwork when the respective wallet was created.
 14. The system to managea cryptographic banking network according to claim 13, wherein theprivate key must be physically supported by respective bank vaultthrough a security protocol.
 15. The system to manage a cryptographicbanking network according to claim 14, wherein the security walletmanages incorporates a single seed generated for each wallet created,which is recorded to validation in order to realize a doubleauthentication.
 16. The system to manage a cryptographic banking networkaccording to claim 15, wherein in order to restore any seed generatedthat lost it, the security wallet manages comprises a protocol based onretrieve keywords, or characters codes, or combination thereof.
 17. Thesystem to manage a cryptographic banking network according to any ofprecedent claims, wherein incorporates the Blockchain as Servicemodality.
 18. The system to manage a cryptographic banking networkaccording to any of precedent claims wherein, makes available a Proof ofConcept in order to show the use and functionalities, for which thefunctionalities are enabled as a Demo for the entities when startsoperation.
 19. A process to manage a cryptographic banking network,wherein participate at least; a first Bank, a second Bank, a third Bank,a regulatory body, a Qcc node, and a client and that includes thefollowing general steps: a) Develop API's and Smart contracts. b) QccDeposit Manage and Qcc creation. c) A transaction within the network. d)Withdrawal of CC from the network. e) Manage a crypto assetclearinghouse.
 20. The process to manage a cryptographic banking networkaccording to claim 19, wherein the process to develop API's and Smartcontracts is as follows: a) The APIs that must be developed for themanagement of CC and Qcc through the network are mentioned. b) Likewise,the smart contracts must be created and invoked to interact with thenetwork. c) The APIs that must be developed for the management of CC andQcc through the network are at least the follows: authentication,account management, management of signatures/signatories,portfolio/wallet management, contact management, fund management,transaction management, message management, node management. d) At leastSeven master wallet per Qcc node with their respective physical andlogical security layers. e) KYC process to generate account in anycryptocurrency. f) API's in the Qcc core interface for managing CC, thatincludes following steps: g) Receive CC through the cryptocurrencynetwork. h) Make the move or send-from to transfer CC through thecryptocurrency network. i) Signature management. j) Send cryptocurrencythrough the business network.
 21. The process to manage a cryptographicbanking network according to claim 20, wherein for receiveCryptocurrency through the cryptocurrency network, must be followingsteps: a) Generate cryptocurrency address associated with the customer'saccount at the business network. b) Track the cryptocurrency address forthe check in of the cryptocurrency received.
 22. The process to manage acryptographic banking network according to claim 20, wherein for makethe move or send-from to transfer CC through the cryptocurrency network,must be following steps: a) Get the contact's cryptocurrency masteraccount. b) Validate account, be it from the same bank or from anotherbank. c) The signature management consists of configuring and obtainingsignatories for the transfers approval through the business network andcryptocurrency network.
 23. The process to manage a cryptographicbanking network according to claim 20, wherein for send cryptocurrencythrough the business network, must be following steps: a) Obtainsignatures to authorize the operation. b) Validate business networkcontact. c) Register the transfer of the asset in the ledger.
 24. Theprocess to manage a cryptographic banking network according to claim 20,wherein for the development and implementation of smart contracts, alloperations on the Qcc nodes will be written in the Ledger of thebusiness network, for which the following tasks must be met: a) Generateaddresses to receive outside the business network. b) Make depositsoutside the business network. c) Manage network contacts. d) Move orsend-from, from the addresses created to receive CC through thecryptocurrency network to the master wallets. e) Make transfers betweencustomer accounts of different banks or the same bank. f) Management ofparity between the master's wallet and cryptocurrency addressesgenerated for bank clients to receive CC through the cryptocurrencynetwork. g) Later, the management processes for this asset will bespecified.
 25. The process to manage a cryptographic banking networkaccording to claim 19, wherein the process to CC Deposit Process and Qcccreation, are as follows steps: a) A client makes a transfer of CCs tohis wallet guarded by a first Bank. (b) The CCs are received in theclient's wallet guarded by said first Bank. (c) The first Bank's QccNode validates the incoming CC transaction. (d) The deposit isregistered through an endpoint activating the smart contract for thedeposit of CC creating the same amount of CC that were transferred tothe wallet. (e) Qcc node validate transactions and client status using aconsensus algorithm. (f) The record is created in the Ledger. (g) Thenew Block is added to the existing Block chain so that the operation iskept unalterable and permanent. (h) The Regulatory body only receivesthe events of the execution of smart contracts through the respectivechannel.
 26. The process to manage a cryptographic banking networkaccording to claim 25, wherein includes more than three banks, and morethan one regulatory body.
 27. The process to manage a cryptographicbanking network according to claim 19, wherein transaction processwithin the network includes participation of a first Bank, a secondBank, a third Bank, a regulatory body, a client, and a Qcc node, and isas follows steps: (a) The first Bank consumes Balance endpoint thatactivates the smart contract to read the Balance if it has a balance andrequests a transfer of CC to second Bank. (b) said first Bank recordstransaction in the business network through endpoints that activates thesmart contract for CC transfer between banks. (c) The Qcc node validatethe transactions and the client's status using a consensus algorithmand, according to the approval policies, authorize the request. (d) Therecord is created in the transfer ledger with the appropriate structure,this triggers the smart contract for bank reconciliation, keeping trackof debits and debts between banks. (e) A new block is added to theexisting blockchain in such a way that it remains unaltered andpermanent. (f). The regulatory body only receives events from theexecution of smart contracts through the respective channel. (g). Aclient can see the transfer received and his CC new balance in hisaccount.
 28. The process to manage a cryptographic banking networkaccording to claim 27 wherein includes more than three banks, and morethan one regulatory body.
 29. The process to manage a cryptographicbanking network according to claim 19, wherein for withdrawal of CC fromthe network, includes as participants; a Bank a regulatory body, aclient, and a Qcc node, and must follows steps: (a) The client requeststhe withdrawal of CC from its custodial wallet with first Bank. (b) SaidBank performs the registration of the withdrawal transaction through anendpoint which activates the intelligent withdrawal contract in the Qccnodes. (c) Qcc nodes validate transactions and client status using aconsensus algorithm. (d) The record is created in the ledger with theappropriate structure, this triggers CC withdrawal smart contract andQcc destruction. (e) A new block is added to the existing Blockchain sothat it remains unchanged and permanent. (f) The regulatory body onlyreceives events from the execution of smart contracts through therespective channel. (g) The Bank sends the CC to the wallet indicated bythe client
 30. The process for managing a cryptographic banking networkin accordance with claim 19, wherein to manage a cryptoactiveclearinghouse, which is based on smart contracts also with the creationof a second private and permissive layer, said second layer interactingwith the network of cryptocurrencies, the steps must be followed asfollows: a) A cryptographic assets wallet is transferred to the custodywallet. (b) Once received these cryptographic assets, Qcc, it is createdwithin the private network an asset mirror or backed in the CC received,where Qcc=1 CC (c) Once the respective intelligent contract is executedand these Qcc is generated, the user will be able to see his balanceavailable in CC reflected in the balance sheet, which they may use toexchange between other users belonging to the network. (d) When a clienttransfers CC to another Client within the network, a CC debt is createdbetween the CC custody institutions, for this through an intelligentcontract, the debits and credits are reconciled in order to arrive anamount established between the parties or maximum once a day isreconciled and the corresponding transfers are made between the walletsand all of this is controlled by smarts contract. (e). When the clientwishes to leave the network and transfer their Qcc to a CC wallet, arequest is made to the financial institution to proceed with thetransfer. once the CC transfer is destroyed, the Qcc assets aredestroyed to maintain the balance and parity between CC assets and Qccassets, the Qcc assets existing in the network cannot be different fromthe CC custoded by network bodies. (f) As a security characteristic ofthe network is the existence of regulatory participants or observers whocan ensure the correct operation. (g) The participants of this networkhave each one of them known identities so that you can know whoparticipates in the network by eliminating the pseudo anonymity thatexists in the CC traditional network.
 31. The process for managing acryptographic banking network in accordance with claim 19, wherein tomanage a cryptoactive clearinghouse, which is based on smart contractsalso with the creation of a second private and permissive layer, saidsecond layer interacting with the network of cryptocurrencies, the stepsmust be followed as follows (a) The bank according to the periodicitystarts the batch process of clearance established. (b) Confirm theaccounting balances in CC. (c) Make the CC movements to the masterwallet to the bank nodes. (d) The move and sendFrom operations arevalidated. (e) Write operation in Ledger.
 32. The process to manage acryptographic banking network according to any of claims 19 to 30,wherein incorporates complementary transactions with USDT or anotherdigital currency.